Making Tax Digital accountant support for freelancers, small business owners, consultants and landlords

Making Tax Digital for Income Tax, often called MTD Income Tax, means many small business owners, sole traders and landlords will need to keep digital records and send quarterly updates to HMRC.

FreeAgent or Xero can help with the software side, but they won’t know whether your figures are right.

This applies whether you’re earning from self-employment, rental property, or both.

If sales income is missing, rental income hasn’t been recorded properly, expenses are coded wrongly, property costs are mixed up, or your bank feed hasn’t been checked, those problems can follow you through the year.

That’s where accountant support makes the difference.

You can get your FreeAgent or Xero records checked, your MTD set-up reviewed, and your quarterly updates handled at the right level for how you work.

You might only need a set-up check and deadline reminders.
You might want your figures reviewed before anything goes to HMRC.
Or you might want the bookkeeping and MTD submissions taken off your hands completely.

Choose the MTD package that fits how much support you want, or get in touch if you’re not sure which option is right for you.

Making Tax Digital and Landlord accounting

Keeping your business compliant so you can focus on the better things in life.

Making Tax Digital Essentials

For clients who are comfortable keeping their own records and submitting their own quarterly MTD updates.

From £100 per quarter

Making Tax Digital Review

For clients who keep their own records but want reassurance before anything is submitted.

From £150 per quarter

For clients who want everything dealt with.

From £250 per quarter

Fully Managed Making Tax Digital

Who needs to prepare for MTD Income Tax?

MTD Income Tax is being introduced in stages for people who earn income from self-employment, property, or both. That includes freelancers, consultants, landlords, tradespeople and sole traders who file a Self Assessment tax return.

It can also apply if you have a side business, rental property income, or more than one source of self-employed income.

The date you need to start depends on your qualifying income.

From April 2026, MTD applies if your qualifying income is over £50,000.
From April 2027, the threshold drops to £30,000.
From April 2028, the threshold drops again to £20,000.

This is based on income before expenses, not your profit. So even if your taxable profit is much lower, you may still be caught by the rules.

That is where people can get caught out.

A freelancer with high income but lots of costs, a landlord with mortgage interest and repairs, or a consultant with several income streams may all need to prepare earlier than expected.

Under MTD, you’ll need to keep digital records and send quarterly updates to HMRC using compatible software.

FreeAgent and Xero can help with the software side, but the records still need to be accurate.

The packages above are designed to help you get the records, software and quarterly process ready before the deadlines begin.

If you’re not sure whether MTD applies to you, or which level of support you need, get in touch, and I’ll point you in the right direction.

About Sutton Westerman

I’m Alex Westerman, an FCCA qualified accountant with 15 years’ experience across Top 100 UK accountancy firms, Big 4 audit, tax work and SME finance support.

I’ve worked with complex groups and international businesses, but I’ve also spent years working with owner-managed businesses where the day-to-day records are what everything else depends on.

With MTD Income Tax, HMRC updates will be based on what is sitting in FreeAgent or Xero during the year.

If the bank feed hasn’t been checked, income is missing, or costs have been put in the wrong place, the software won’t correct that for you.

I help freelancers, consultants, landlords and small business owners get the accounting side of MTD set up properly, so the quarterly updates are based on records that have been handled properly.

You can stay involved where you want to, and hand over the parts you don’t want to manage yourself.

Why work with me

FreeAgent and Xero set-up for MTD Income Tax

FreeAgent and Xero can only work with the information going into them.

Your account needs to be set up so that income and costs are recorded in the right places, whether you earn from freelance work, consulting, trade work, rental property, or a mix of different sources.

If the set-up is wrong, your quarterly updates can end up being based on missing income, duplicated transactions or costs sitting in the wrong category.

MTD support for freelancers, consultants, landlords and sole traders

Some clients want to manage their own bookkeeping.

Others want an accountant to review the figures before submission.

Some want the bookkeeping and quarterly MTD submissions handled for them.

The packages are built around those different levels of support.

Fixed MTD package prices

The MTD Income Tax packages are priced clearly, so you can choose the level of support you need.

If your bookkeeping needs extra work, or your situation is more involved, that will be discussed before additional work is carried out.

Quarterly MTD updates checked before submission

If income is missing, expenses are coded incorrectly, or your bank feed has stopped working, those issues can carry through the year.

Depending on the package you choose, your quarterly MTD updates can be checked before anything goes to HMRC.

MTD Income Tax deadlines explained clearly

You’ll know when your quarterly updates are due and what needs to be ready.

That makes it easier to keep FreeAgent or Xero up to date, deal with questions before the deadline, and avoid rushing through the figures at the last minute.

FCCA qualified accountant

I’m an FCCA qualified accountant with 15 years’ experience across tax, audit, financial reporting and SME finance support.

That means you’re getting support from someone who understands both the HMRC reporting side and the everyday bookkeeping that sits behind it.